How much is a home worth in ZIP code 28012?

The typical home in 28012 is worth $420,910, based on the Zillow Home Value Index.

Are home values rising in 28012?

Home values in 28012 are up 1.6% over the past year, and up 6.7% a year over five years.

What is the typical rent in 28012?

A typical home in 28012 rents for about $1,859 a month, a gross rental yield of 5.3%.

What is the property tax rate in 28012?

The effective property tax rate in 28012 is 0.7% — roughly $3,140 a year on a typical home.

ZIP code 28012 has a population of 26,556 and a median household income of $83,391.

HousingHandbookReference data

…

U.S. ZIP Code · NC28012

Gaston County · Charlotte-Concord-Gastonia, NC-SC

Typical home value

$420,910^[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year: +1.6%
5-year / yr: +6.7%
10-year / yr: +8.0%

Relative price

vs U.S.: +48.2%
vs metro: +25.6%
vs state: +47.9%

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 28012 is worth $420,910 — 25.6% above the Charlotte-Concord-Gastonia, NC-SC median. Over the past year, values have risen 1.6%. Homes here rent for a typical $1,859 a month — a 5.3% gross rental yield. The effective property tax rate is 0.7%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent: $1,859^[2]
Gross yield: 5.3%^[2]
Cap rate: 3.2%^[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate: 0.7%^[3]
Typical annual tax: $3,140^[3]

#Climate risk

FEMA National Risk Index ratings for Gaston County. "Not Applicable" means the hazard does not threaten the county.

Overall risk: Relatively Moderate^[4]
Riverine flood: Relatively Moderate
Coastal flood: Not Applicable
Wildfire: Very Low
Drought: Relatively Low
Heat wave: Relatively Low
Hurricane: Relatively Low
Tornado: Relatively High
Earthquake: Relatively Low
Winter weather: Relatively Low

#Who lives here

Population: 26,556^[3]
Median household income: $83,391^[3]

#Migration

Household moves in and out of Gaston County over a year, from IRS tax-return data.

Net migration: +1,241^[5]
Moved in: 7,614
Moved out: 6,373

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools: 7
Elementary: 4
Middle: 1
High: 2

South Point High
High · Grades 9–12 · Gaston County Schools
983 students
Stuart W Cramer High
High · Grades 9–12 · Gaston County Schools
956 students
Belmont Middle
Middle · Grades 6–8 · Gaston County Schools
765 students
Belmont Central Elementary
Elementary · Grades 2–5 · Gaston County Schools
687 students
J B Page Primary School
Elementary · Grades PK–1 · Gaston County Schools
338 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Home value$Monthly rent$

Gross yield5.3%

Net yield (after ~40% expenses)3.2%

Annual rent$22,308

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Home price$Down payment%Interest rate%Loan termyears

Monthly payment$2,128

Loan principal$336,728

Down payment$84,182

Total interest paid$429,478

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Home price$Monthly rent$Down payment%Mortgage rate%Property tax rate% / yrMaintenance% / yrRule of thumb: 1% of home value per year.

Own : rent ratio1.48

Monthly cost to own$2,742

Monthly rent$1,859

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation: 79th percentile^[1]
Rental yield: 43rd percentile^[2]
Property tax: 82nd percentile^[3]

Frequently asked

How much is a home worth in ZIP code 28012?: The typical home in 28012 is worth $420,910, based on the Zillow Home Value Index.
Are home values rising in 28012?: Home values in 28012 are up 1.6% over the past year, and up 6.7% a year over five years.
What is the typical rent in 28012?: A typical home in 28012 rents for about $1,859 a month, a gross rental yield of 5.3%.
What is the property tax rate in 28012?: The effective property tax rate in 28012 is 0.7% — roughly $3,140 a year on a typical home.
Who lives in 28012?: ZIP code 28012 has a population of 26,556 and a median household income of $83,391.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

28134 vs 28012 →
Pineville, NC
Typical home
$420,748
Gross yield
7.0%
28080 vs 28012 →
Iron Station CDP, NC
Typical home
$422,865
Gross yield
—
29710
Lake Wylie CDP, SC
Typical home
$417,351
Gross yield
6.0%
28027
Concord, NC
Typical home
$417,165
Gross yield
4.9%
28202
Charlotte, NC
Typical home
$416,237
Gross yield
5.4%
28107
Midland, NC
Typical home
$431,885
Gross yield
5.7%

Want similar ZIPs from outside this metro? Browse nationally similar ZIPs →

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Pit ZIP 28012 against any other ZIP — full side-by-side table.

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#Jump to section

U.S. ZIP Code · NC28012

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